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Accreditation

We know the accreditation page might seem daunting so here is some more information help you.

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Why do you ask for accreditation What is the criteria I need to meet? What can I do if I am unable to meet the current criteria? How often do I need to re-certify my status? Do I need to upload any certifications or statements? What assets can my net worth include? What income can I include?

Why do you ask for accreditation

This is a mandatory question from the FCA our regulator in order to comply with COBS 4.12B Restrictions on the promotion of non-mainstream pooled investments.

During the pandemic there was a rise in people taking out high risk investments e.g. crypto without understanding the implications. This regulation helps to safeguard people taking out high risk investments like those on our Cur8 platform such as our v.c investments.

What is the criteria I need to meet?

Self-Certified Sophisticated investor

  • You have been the registered director of a company with an annual turnover of at least £1 million in the last two years.
  • You have worked in a professional capacity in the private equity sector or within finance at an SME in the last two years.
  • You have been a member of a network or syndicate of business angels for more than six months in the last two years.
  • You have made two or more investments in an unlisted company, in the last two years.

High Net Worth Investor

  • You earn £100,000+/year and/or hold net assets of at least £250,000.

Accredited investor (US only)

  • Individuals with annual income over $200K (individually) or $300K (with spouse or spousal equivalent) in each of the last 2 years and an expectation of the same this year
  • Individuals with net assets over $1 million, excluding the primary residence (unless more is owed on the mortgage than the residence is worth)
  • An institution with over $5 million in assets, such as a venture fund or a trust
  • An entity made up entirely of SEC accredited investors and state-registered investment advisers, or exempt reporting advisers filing with the SEC.
  • Individual with certain professional certifications (Series 7, Series 65, and Series 82 license)
  • “Family offices” with over $5 million in assets under management and their “family clients,” as each term is defined under the Investment Advisers Act
  • Any entity with over $5 million in investments and that was not formed for the specific purpose of investing in the securities offered
  • A rural business investment company (RBIC)

What can I do if I am unable to meet the current criteria?

If you’re unable to meet our current onboarding criteria, there are is an alternative option that could enable you to complete onboarding.

You can join the Cur8 Investor Club community here and learn more about investing over the next six months. Through regular live webinars, expert-led discussions, and access to in-depth investment resources, you’ll gain a comprehensive understanding of private market investing. By taking part in this structured learning process and being part of an active angel syndicate, you may qualify as a Self-Certified Sophisticated Investor.

If after actively engaging with the Investor Club you are eligible to self certify as a Sophisticated Investor, you will be able to complete the accreditation process.

How often do I need to re-certify my status?

Every 12 months.

Do I need to upload any certifications or statements?

Not usually – although we may ask for this in certain cases.

What assets can my net worth include?

This can include a range of assets such as cash, savings, jewellery, a second home, and investments, but must exclude your pension.

What income can I include?

In addition to your base salary, you might also consider income from side hustles, rental properties, and investments.